北京楼市限购调整，但未取消，对买房有多大影响？

Core Viewpoint - The adjustment of Beijing's real estate purchase restrictions has been implemented earlier than expected, aiming to better meet residents' housing improvement needs and stimulate the market [1][4]. Policy Changes - The new policy allows families meeting the purchase conditions to buy an unlimited number of properties outside the Fifth Ring Road, expanding the scope of first-home provident fund loan support [4][10]. - The purchase restrictions remain in place, but the conditions have been relaxed, allowing those who meet the criteria to buy freely outside the Fifth Ring Road [6][13]. - The distinction between single individuals and family households in the purchase restrictions has been removed, applying the same rules to both [8]. Financial Implications - The maximum loan amount for second-home provident fund loans has increased from 600,000 yuan to 1,000,000 yuan, with the minimum down payment ratio reduced to 30% [10][11]. - The adjustment allows for a higher loan amount based on the duration of provident fund contributions, increasing from 10,000 yuan to 15,000 yuan per year [11][10]. - For a property priced at 4 million yuan, the maximum down payment could be reduced by 600,000 yuan, leading to lower monthly payments [11]. Market Impact - The policy aims to stabilize the real estate market and restore buyer confidence, particularly targeting those with stable jobs in Beijing [11][13]. - The adjustment is expected to have a significant impact on areas such as Shunyi, Tongzhou, Daxing, and others, while the influence on properties in Haidian, Chaoyang, and Fengtai may be limited [16]. - The overall goal is to promote a balanced development of housing supply and demand, particularly in the outer areas of Beijing [13][16].